The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,065
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,658
−HK$602/mo
Today · 4.125%
HK$20,260
baseline
▲ 0.50% · 4.625%
HK$21,493
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,520/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,209
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,778
−HK$577/mo
Today · 4.125%
HK$22,355
baseline
▲ 0.50% · 4.625%
HK$23,534
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,710/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,878
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,589
−HK$723/mo
Today · 4.125%
HK$24,312
baseline
▲ 0.50% · 4.625%
HK$25,792
+HK$1,480/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$48,624/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,451
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,134
−HK$692/mo
Today · 4.125%
HK$26,826
baseline
▲ 0.50% · 4.625%
HK$28,240
+HK$1,414/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$53,652/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,691
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,521
−HK$843/mo
Today · 4.125%
HK$28,364
baseline
▲ 0.50% · 4.625%
HK$30,090
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,728/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,693
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,489
−HK$808/mo
Today · 4.125%
HK$31,297
baseline
▲ 0.50% · 4.625%
HK$32,947
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,594/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,317
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,384
−HK$1,085/mo
Today · 4.125%
HK$36,469
baseline
▲ 0.50% · 4.625%
HK$38,688
+HK$2,219/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,938/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,177
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,201
−HK$1,038/mo
Today · 4.125%
HK$40,239
baseline
▲ 0.50% · 4.625%
HK$42,361
+HK$2,122/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,478/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,825 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).